How can you remove the speeding ticket from the driving record and insurance record of your 17 year old Illinois state resident? Is there a simple and easy way to remove this black mark from your teenage driver record?

Since you are only 17 years old you might still be in the initial licensing phase, and part of the restrictions of the graduated licensing system includes a written warning to the parent or gaurdian and the teen driver if convicted of any traffic violation before the ripe age of 18.

If the driver is convicted of 2 moving violations within a 24 month period, this can result in a suspension of the license with a minimum of 1 month. The time length of this suspension can vary depending upon the seriousness of the offenses and the teen’s previous driving record. This of course will increase your car insurance rate teen will have to pay each year.

Ohio and the state of Illinois are part of the Driver’s License Compact (DLC). Ohio will inform Illinois of this speeding ticket for 22 mph over the limit that you received. It is not noted by the IL Secretary of State specifically that out of state tickets are put on your driving record so you may want to contact the Secretary of State to get more information about this. We can help lower your teen insurance rate.

Reader’s Question:

If a friend of mine got DUI while driving my car, will this affect my car insurance?

Albert

The answer is no.

If your friend was cited for DUI (driving under the influence) while driving your car it will not affect your car insurance in any way. He will received the citation written in their name and not in the car owner. That would mean it will go in their record as a driver and it will not cause you any problems in your car insurance.

However, for instance, he gets involved in an accident using your car, the resulting claims will then go on your claims record and will affect your insurance premiums. Insurance usually follows the car first and the driver the second so that means if your friend got into an accident, it would be your insurance that would kick in first and your friends insurance would be the secondary or would cover the excess if your coverage limits were exceeded.

As the owner of the car, you have liability for those who uses your car so if the insurance limits were exceeded, then usually, in most sates, the driver and the owner of the car are responsible for all the damages that the motorist may cause while driving the vehicle.

Goodluck!

MariCAR

Reader’s Question:

If Im driving a company car, do I need to use my own insurance?

Molly

Thank you for asking.

All vehicles that is being use in the public road must be insured by the owner in accordance with the state laws. You company is the one responsible for the insurance and for making sure that the vehicle that is being used by the employees are properly insured.

In case of accident, the insurance usually follows the vehicles,, so the insurance on that vehicle should be used as the primary insurance, and your own insurance will kick in if the damages on that vehicle exceed the limits of the insurance on that vehicle. So in most cases, if you are not driving your own vehicle, if its owned by a friend or by the company, you are not required to use your own insurance on that vehicle

It is usually advised that you carry a non owners insurance policy to cover yourself if you are driving some one else’s car. In case the owner of the vehicle insurance lapse or if the limits on the policy are low, then this would give you an additional insurance protection.

You might need to contact your company’s insurance provider to check on the insurance policy on the company vehicle and check the coverage that is provided to you when you drive it.

Goodluck!

MariCAR

Reader’s question:

What is SR-22 insurance? Do I need it?

Ares

Good question.

An SR-22 is actually a vehicle liability insurance policy for reinstatement after your driver’s license has been suspended. This policy is only use for this specific purpose only. You will need to show proof that you have purchased this policy to the department of motor vehicle before they can reinstate your license.

Some states uses this policy strictly for DUI (Driving Under influence) or DWI (Driving while intoxicated) only, but this is not always the case. Other states will require this for violations like driving without insurance or uninsured accidents. This can also prevent revocation of your license just in case you get many traffic violations in such a short period of time. I cant give you specific answer regarding SR-22 since this is being used in differently in different states.

If ever you’ll going to need an SR-22, you will need to talk to your insurance company about this because not all insurance company offer SR-22.

Goodluck!

MariCAR

Reader question:

My fifteen year old has a birthday next week and I wanted to get her a car. Still, I intend to have her make her own car insurance payments, so I want to get something that is both good for a teenager to drive and good for getting safe teen car insurance policy rates. What kind of car should I get?

Charles

Thanks for asking, Charles.

Buying a car for a teenager is difficult, because not only do you want to make them happy, but you also want the best for them both financially and as concerns safety. For this reason, lots of thought should be put into such a choice, especially considering the high teen car insurance policy premiums that your daughter will be paying out of her own pocket. It is good to teach her responsibility for making payments, but it is also good to teach her how to get a deal. Here are some tips for buying your teen a good car.

• Keep it simple. There’s no need to get your teenage daughter a sports car, no matter how much she dreams about driving up to school in one. I think this is important, even if you have enough money to do it. Car accidents happen at a much higher rate in sports cars, the premiums are high, and this kind of vehicle might encourage a teenager to be less responsible.
• Pay attention to gravity. Everything that goes up must come down, but there also has to be a steady center of gravity in a vehicle so that it doesn’t roll over in bad conditions. Rollovers are more likely to happen among teens because new drivers panic more easily when they lose control of their vehicle. SUVs, for example, don’t have good centers of gravity and roll over more often.
• Safety features such as electronic stability control and traction control can help avoid accidents for teens who still don’t drive like experts.
• Keep it big, keep it small. What? The idea is to keep it in the middle. Small cars a might be cute and cheap on gas, but in a car accident with a bigger car they will get crushed and the fatality and injury rates are higher. Bigger cars may be safe, but in a car accident they will crush the other car, which means high car insurance coverage rates for collision. A mid sized vehicle is both economic and safe.
• Get something new, but not too new. Safety features by the dozen come equipped on most new cars, so it’s a good idea to get your teen something that protects them the most. However, newer cars also carry higher car insurance rates, so you can get a car that’s a few years old and get the same benefits.

Cheers,

Fashun Guadarrama.

Reader question:

I’ve made my car insurance claim. Now how do I get my money?

Estella

Great question.

This is the thing that hangs over all the thoughts of the person who has recently filed a car accident insurance claim. You are worried about your car, your injuries, your wages, and that check always seems to take too long. If you keep your head screwed on tight and maintain your patience, you only need to follow a few guidelines to expedite the arrival of that precious claims check.

• Remember your claim number. You don’t have to memorize it, but at least keep it written down on a piece of paper that you won’t lose. This will make it to where you can easily get into contact with whoever knows what the status of your car insurance claim is.
• If there’s only a difference of a few dollars between the amount that the adjuster wants to give and the amount you think you deserve, let it go! You should fight over the bigger things, but a hundred bucks isn’t worth it and it’s much better to just be able to get your car back.
• Don’t threaten to hire an attorney like that works. They get that a lot and won’t actually take you seriously until you really do hire an attorney, so save it.
• Always be polite and respectful to your claims adjuster. They’re just doing their job, and treating them like human beings can help speed up the whole process and get you the amount you want more easily.
• At the same time, don’t try to play buddy with the adjuster, because they won’t stand for that. Act professional and take the process smoothly instead of trying to get your adjuster to like you so that she will give you what you want.
• Be prepared. So long as you know the regulations your state that require a certain type of claims process, you have an idea of where things are going. Document everything from the accident itself to the actual claims process.

Cheers,

Fashun Guadarrama.

The state of Arizona’s motor vehicle division is interested in safe roads and safe citizens, and so keeps the traffic laws strict and the car insurance laws just so. Cheap Arizona motor car insurance is widely available across the state, and considering this availability and all of the options to the insured, there is really no excuse to go without. No vehicle is exempt from the Arizona car insurance law requirements. Even mopeds and golf carts need to have a valid liability policy, not to mention other recreational vehicles like four wheelers and motorcycles.

Here is the Arizona car insurance requirement liability limit:

• Injury/death of a single person–$15,000
• Injury/death of more than one person–$30,000
• Property damage–$10,000

It’s difficult to drive uninsured in Arizona without getting caught. The reason for this is because not only do you have to show your insurance card when stopped by a police officer or getting your registration renewed, but any time that you cancel, fail to renew, or drop your car insurance policy, the company has to tell the DMV. Once the DMV finds out, you will be notified of this discrepancy and asked to clear it up. If you can’t because you actually are uninsured, then you will be required to file SR 22 car insurance for the next three to five years, depending on the number of your offense.

Now, there is a way to have a vehicle in Arizona and not have to insure it. This is called a deinsured vehicle, and you have to apply to get this status for your car. Mostly, it applies to vehicles which are out of the use for all or part of the year and is a temporary status.

Cheers,

Fashun Guadarrama.

Reader question:

When I get in a car crash, what do I have to do besides making a claim with my car insurance company?

Melanie

Great question, Melanie.

Any car accident brings trouble, so arming yourself with information ahead of time is a good strategy. If you are already informed about your options and your requirements, then there is no panicked last minute research and easy to avoid trouble with your claim and the law.

If you are involved in a car accident, you are required to have proof of insurance. They don’t exactly ask you this while they are writing up the police report, so within a month of the accident taking place you have to go to the department of public safety office and file an SR 1 form. An SR 1 is similar to an SR 22, except that it is not used as a means of punishment. It is, though, filed to prove that you were financially responsible at the time of the accident, and is required by law in most states. If you don’t file the SR 1 in the amount of time allotted, you could face major consequences such as fines and the loss of your license.

You can’t just say that you flashed your insurance card at the person filing the report, because that doesn’t work. Rather, in order to show that you were insured at the time of the accident, you have to do one of the following.

• Have your car insuranc company file an SR 21 form with the DPS
• Get the other driver that was in the accident to sign their name on a release of liability form
• Or you could get them to sign statement saying that they won’t sue you and have it notarized
• A letter from the car insurance company of the other driver that says you have gotten your claim money back
• A bankruptcy petition copy that has your creditors named

The best way to go is the first option.

Cheers,

Fashun Guadarrama.

Ohio car insurance laws have a different standard than those of most other states. Like all other states, you have to have car insurance or some other kind of proof of financial responsibility if you want to drive your vehicle legally on Ohiop roads. However, in Ohio you also have to make sure that if you are going to let someone take your car for a spin, that they are properly insured as well. Normally, the insurance is entirely connected to the car, so if someone is not personally insured, so long as the car they are driving is and they are driving that car with permission, they are okay. In Ohio, not so much.

Anytime that you go to get your registration, license, or learner’s permit, you have to sign off that you are in posession of a valid car insurance policy. The minimum required coverage is:

• Injury/death for one person–$12,500
• Injury/death for multiple people–$25,000
• Property damage–$7,500

If you want to prove your financial responsibility, then the best way to go about it is by taking out a car insurance policy. This can easily be done by getting a cheap Ohio auto insurance quote online and then choosing the company that suits you best. Proof of financial responsibility must be had at all times, because there are several instances when you might find that you need to provide the proof. On example is if you get pulled over by a cop to be ticketed, and you will be asked for proof of insurance. Some more times will be if you have to go to court for a traffic violation, when you go to get your car inspected, or by the random surveys that the DMV does every year. They only request proof of insurance from about five percent of vehicle owners every year, so you will get one of these at least once every twenty years. That may sound like a good chance, but you should never risk it when it comes to car insurance.

There are several ways that you can prove your financial responsibility. One of the easiest ways to do this is to have your insurance card, which is what your car insurance company gives you when you take out a policy. You can also carry around your policy. If you don’t want typical insurance and have plenty of money to throw around, you can take several other routes. You can get a surety bond for thirty thousand dollars; you can get a BMV bond from a real estate company in the amount of sixty thousand dollars; or you can get a governement bond from the state treasury, in the amount of thirty thousand dollars.

There are very serious consequences for driving without financial responsibility, and they get worse the more convictions of this violation that you rack up. First you lose your license for three months, and then it costs one to five hundred dollars to get it back. Then you lose your plates and registration, and once you get everything back you have to get more expensive high risk car insurance called SR 22. In some cases where it’s very serious, you might even have your car impounded.

Cheers,

Fashun Guadarrama.

1. Why do I need an SR 22 filing for my car insurance?

Usually SR 22 filing for car insuranceis required if you mess up royally on the road, usually if you get a ticket for speeding or if you get taken in for drunk driving and you are convicted. It’s not always something bad, though. Several states who are on the stricter side of car insurance law manadate SR 22 filing for everyone. Have a lapse of your coverage even for a day in one of those states, like New York, and you could risk fines or even the suspension of your license. Yikes!

2. Who does the SR 22 filing?

It depends on where you’re at or what your case demands. Normally, the car insurance company will do the SR 22 filing. You just need to tell them that you need it. However, that is not the case with everybody. Now and then you will have to take the SR 22 form up to the driver’s license office yourself. If this is the case, call your car insurance company and ask for them to mail you a copy of the form they have already filed. If you’re on a time limit, your company might offer it on their website.

3. How long do I have to file SR 22?

It depends on your case.

4. How long does SR 22 stay on my record?

It usually stays around three years, but in some cases it can stay up to five years. After five years, though, it falls off of your driving record and will no longer affect your car insurance rates.

5. Can the company I’m with right now do SR 22 filing?

That’s entirely up to them. It’s often the case that if you get a drunk driving conviction or a speeding ticket, you’ll get your car insurance policy cancelled. This can’t be avoided. If this happens, you will have to shop around for another company. There are companies that specialize in customers who have high risk qualities such as DUIs or high performance cars.

Cheers,

Fashun Guadarrama.